CluenexHuntington Bancshares HBAN
Huntington Bancshares scores weak on business quality (3.9 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Huntington Bancshares does
Huntington Bancshares provides commercial and retail banking services, making money primarily through net interest income and fee-based financial services across the Midwest. The bank is positioning its balance sheet to benefit if interest rates stay higher for longer, as highlighted in recent market analysis.
- What it does best
Huntington drives strong top-line expansion, posting a revenue growth rate of 10.6% that places it in the top quartile of its sector at the 67th percentile. This regional scale allows it to outpace peers like TFC which grew at 0.5%.
- The main risk
Higher-for-longer interest rates create ongoing pressure on funding costs and net interest margins, threatening profitability if deposit betas accelerate faster than asset yields.
Quality, check by check
Scored against its own industry, from company filings.
Net margin stands at 23.1% with an ROE of 8.6%, indicating that profitability remains constrained relative to equity as higher funding costs weigh on earnings.
The bank holds a regional deposit franchise moat locking in retail and commercial clients across Midwestern markets, though its low ROE of 8.6% reflects limited pricing power compared to tier-one rivals.
Revenue growth is running at 10.6%, accelerating compared to prior historical periods where revenue hovered around $7.4B.
Debt-to-equity sits at 0.53, while free cash flow reached $2.7B on revenues of $9.7B, leaving the balance sheet in a moderately soft position.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
1 sold $481K outside pre-planned sales.
Our sealed record on HBAN
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Huntington Bancshares scores weak on the Cluenex quality check (3.9 of 10), measured against its own industry. Profitability is weak, moat weak, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: 1 sold $481K outside pre-planned sales.
Oct 22, 2026.
See HBAN today
- Today's verdict on HBAN, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Huntington Bancshares (HBAN)”, https://cluenex.com/stocks/hban/, data as of Oct 10, 2026.